Please watch for emails from me, via Adobe Sign…that are the next steps in our move to make reaching your financial goals easier and more interactive. I’m very excited to roll out our new software that will be more engaging and participative. I’d love to hear your feedback about each one!
We now can move on to what I consider to be the fun part: 1. Exploring your values using YourStake to align your environmental, social and impact values with your investments. What matters to you? We’ll find out!
2. Signing our new Investment Engagement Agreement (IMEA) via Adobe Sign: Please NOTE: on page 4 you will see our Maximum Fee, but I have a lower management fee. Below is the fee schedule that will be on the last page of your IMEA.
3. Determining your risk tolerance and stress testing your portfolio, using Hidden Levers.
4. Building your financial plan, using eMoney.
5. Completing your Investment Policy Statement that will be our investment and financial planning Playbook. To ensure you have the most recent version of all regulatory documents we are required to deliver to you, I will send a separate email with these attachments. First Affirmative has requested I provide them with a final termination notice of their services, for their records: look for this via Adobe Sign. Required Disclosures: Always read the fine print!
The foregoing content reflects the opinions of Sustainable Advisors Alliance LLC and is subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions, or forecasts provided herein will prove to be correct. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.
This is big!!!! Wonder why money has poured into stocks this year? Last year? Investors couldn’t make enough in dividend income from bonds to pay even their electricity bill. See how the blue line (S & P Dividend Yield) has met gold line (Treasury Yields)? Investors can now get a higher yield so many might not want to take stock risk.
😊 Why does this matter to you? Yields are on the rise! This is what we’ve been waiting for: investors were forced into risky assets like stocks, to pay the bills. Money markets and bonds have been paying NOTHING.
Many of you were with me at Pinnacle (2002-2014) when I ushered my warning that oil & gas had peaked and we needed to drastically reduce the MLPS in your portfolio. In 2014 I had worked with the Unitarian Universalists to divest from fossil fuel stocks and I was convinced it was a smart financial decision (the entire fossil fuel industry was “topping”) and a smart climate decision. Fossil fuel stocks were the 2014 version of buggy whips.
😲Why does this matter to you? We can tell when a sector might be over-valued but we can’t tell when the price will finally come down. We began to sell the Pinnacle MLPS in the spring of 2014 and by that fall, stock prices were headed down: they still have not recovered. Today, we know who some 2021’s overvalued sectors are.
Did the pandemic force you to your home office, like it did me? While employees can’t claim the home office deduction, if you are both the owner and an employee of the same corporation you might get to deduct otherwise non-deductible employee expenses. 😊 Why does this matter to you? No one will get rich by sheltering in place! You can deduct $5 for each square foot of the Home Office, up to a maximum of $1,500. Just know that the records you will need to collect might take extra time for you to collect and must be actual out of pocket expenses. Find out now, what your CPA needs, so you don’t have delays completing your return…which now looks like it is due May 17, 2021.